Copyright and Disclaimer

The material on this website is copyright. You may download, display, print and reproduce material on this site in an unaltered form only for your personal, non-commercial use or use within your organisation. External site material used on this site is used with the permission of the managers of those sites.
It is recommended that you refer to the copyright statements at those sites before making use of the external site materials. Apart from any use as permitted under the Copyright Act 1968, all other rights are reserved.

If you have requests for further authorisation and inquiries concerning reproduction and rights, please contact:

Dr Ian Pollard
Investing in Your Life
via this website

Note: The copyright in the materials appearing at Internet sites which are linked to this site vest in the author of those materials, or the author's licensee (subject to the operation of the Copyright Act 1968).